Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

How to get cheap homeowners insurance in Virginia


Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Home insurance protects your house and property against a variety of circumstances, such as fire, theft, vandalism, or wind damage.

Unlike car insurance policies, homeowners policies aren’t governed by state legislation. Even so, there are major differences in homeowners insurance rates from state to state. Policy rates in US states may differ depending on the number and value of homeowners claims filed across the state, and depend on the value of the belongings and home insured on the policy.

The easiest way to find a cheap home insurance policy in Virginia is to shop around and compare rates from as many insurance companies as possible. Get an idea of how much home insurance costs in Virginia by referencing the below data. Remember: your rates may differ, depending on your coverage limits.


Homeowners insurance in Virginia:
  1. By insurance company
  2. By city
  3. Rates by coverage level
  4. Rates by deductible amount
  5. Bundling home and auto insurance
  6. FAQs


Homeowners insurance rates in Virginia by insurance company

Rates for home insurance in Virginia will vary based on the insurance company you use. Virginia Farm Bureau provides the cheapest home insurance in Virginia — only $777 per year. This compares favorably to Virginia's average rate of $792, providing a $15 discount on average statewide homeowners insurance costs.

Begin the hunt for a homeowners insurance policy by reviewing the best Virginia insurance companies, listed below.


InsurerAverage Annual Rate in Virginia
Virginia Farm Bureau$777


Virginia home insurance by city

Home insurance rates in Virginia vary by city. Prices depend on locally specific variables such as the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.

The cheapest home insurance in Virginia is found in Dulles. An average home insurance policy in Dulles costs just $639 annually — $153 less than the state average. Reference the below table to see the cheapest cities in Virginia for home insurance.


CityAverage Annual Home Insurance Rate


Average homeowners insurance rates in Virginia by coverage level

Your chosen amount of homeowners coverage has an impact on the insurance premiums you pay . In Virginia, maintaining $100K dwelling coverage costs an average of $501 per year, while carrying dwelling coverage up to $400K costs $1,377/year.


Coverage LevelAverage Annual Premium
$100,000 Dwelling$501
$200,000 Dwelling$792
$250,000 Dwelling$915
$400,000 Dwelling$1,377


Homeowners insurance deductibles in Virginia

Homeowners have numerous choices to make when purchasing a policy, including the amount of their deductible. A homeowners deductible is the amount you are responsible for paying toward a covered loss. The deductible level you choose can major impact on your homeowners insurance rates.

In general, choosing a lower deductible means that your insurance premiums will be higher. This means that those seeking lower home insurance costs will want to think about getting a higher homeowners deductible. Remember: your homeowners deductible should not be so high that you would struggle to pay it in the event of a loss.

Below are some popular deductible options offered on most home policies along with corresponding average insurance costs.


Deductible AmountAverage Annual Homeowners Insurance Rate


Homeowners and auto insurance bundles in Virginia

If you want to save on homeowners insurance, consider purchasing both your car and home insurance policies from one company. A home and auto insurance bundle in Virginia can lead to substantial savings on auto insurance. Bundling policies in Virginia leads to yearly savings of $57.



Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)



Bundling home and auto policies is a great way to save. Get started today!


Looking for information on home insurance in a particular city? Check out our breakdown of large Virginia cities:

  1. Chesapeake
  2. Norfolk
  3. Richmond
  4. Virginia Beach


Virginia homeowners insurance FAQs


Does Esurance offer homeowners insurance in Virginia?

Yes - Esurance does provide homeowners insurance in Virginia.

Does GEICO offer homeowners insurance in Virginia?

Yes - GEICO provides homeowners insurance in Washington D.C.


Homeowners insurance and hurricanes in Virginia

Because hurricanes can cause such calamitous damage and completely ravage buildings altogether, insurers are reluctant to take on the full risk of hurricanes as a whole. If you live in Virginia, you could face increased risk of experiencing hurricane damage. In fact, 26, 960 single-family homes are at extreme risk of hurricane damage in Virginia.*

If you live near the coast, it's crucial to check and understand your homeowners insurance policy because usually a basic home policy won't be sufficient to cover hurricane damage — you would need separate flood and windstorm insurance policies, both of which would be applicable to pay for repairs or replacements. Depending on your location, your insurer may require a separate hurricane deductible if you live in a region that's at high risk for hurricanes.

Learn about high-risk homeowners insurance here.  

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)

CompanyAverage Annual Rate w/ Hurricane Deductible
Virginia Farm Bureau$621
State Farm$819


Floods and home insurance in Virginia

Flood damage — no matter the circumstances under which it occurs —is not covered by standard home insurance. To ensure your home is covered, buy insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurance company.

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you receive:

  • $250,000 coverage for your home's structure
  • $100,000 coverage for your personal property

If the value of your property and home exceed these limits, consider purchasing a policy from a private company for additional protection. Flood insurance is key in Virginia, which suffered $4, 361, 841 in 2016 flood insurance claims, according to data from FEMA.


Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.